Lowering Your Homeowners Insurance

By
Real Estate Broker/Owner with Lang Premier Properties

With the current housing market finally back on the rise, it is the perfect time to start looking into purchasing a new home. However, a crucial part of owning a home is obtaining homeowners insurance, and it may cost much more than you anticipated.  

Obviously, saving money has never been more important than it is today. Whether you are buying homeowners insurance for a new home this year, or just trying to lower your current homeowners insurance, following these few easy tips will definitely make it a possibility for you.

1. Be Sure to Insure Home for the Correct Amount

2. Maintain Good Credit

3. Purchase Home Owners/Auto Policies from the SAME Company

4. Raise Your Deductible

5. Ask About Discounts

6. Review Your Policy Annually

For more tips on ways to lower the cost of your homeowners insurance, including a detailed video provided by Realtor.com, visit the Ben Lang Properties Blog HERE!

Ben Lang Properties is home to one of the leading Macomb County and Oakland County Realtors. Specializing in all aspects of real estate including short sales, foreclosures and working with home buyers and sellers with Macomb County and Oakland County luxury homes. When you hire the Ben Lang Properties staff, whether purchasing or selling Metro Detroit Real Estate, you can rest assured that you are in good hands

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Rainmaker
1,919,277
Lottie Kendall
Compass - San Francisco, CA
Helping make your real estate dreams a reality

Good advice, Ben. It's important to periodically review insurance coverage. I like your tip to ask about discounts--it's wise to be proactive.

Feb 23, 2012 10:41 PM #1
Rainmaker
799,821
Kasey & John Boles
Jon Gosche Real Estate, LLC - BoiseMeridianRealEstate.com - Boise, ID
Boise & Meridian, ID Ada/Canyon/Gem/Boise Counties

A couple of years ago I "bundled" my insurance and actually switched companies (I never thought I'd switch because I thought I was happy where I was) and made sure I had all the coverage I needed and I ended up saving hundreds of dollars a year.  Always a good thing to review.  -Kasey

Feb 26, 2012 04:56 AM #2
Rainer
72,604
Lang Premier Properties
Lang Premier Properties - Clawson, MI
Metro Detroit Real Estate Group

Homeowners would be surprised at how much they can save by just reviewing every year! Sometimes it really DOES pay off to be proactive.

 

Thank you for the comments.

Feb 27, 2012 05:16 AM #3
Ambassador
2,139,373
Todd Clark
eXp Realty LLC - Tigard, OR
Principle Broker Oregon

Don't forget to refer your friends to your insurance company, often they will give you discounts for that as well. 

Mar 08, 2012 02:47 PM #4
Rainer
72,604
Lang Premier Properties
Lang Premier Properties - Clawson, MI
Metro Detroit Real Estate Group

Todd - Great idea.  Why didn't I think of that one?!  Best of luck to you this year.

Mar 10, 2012 12:12 AM #5
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Rainer
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Lang Premier Properties

Metro Detroit Real Estate Group
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